I started working as a classroom teacher at a private school in Ifo, Ogun State, on January 5, 2026. At the time, I needed a reliable source of income, so I accepted the position even though the salary was lower than I originally expected. During the interview, I was asked about my expected salary. I initially had ₦120,000 to ₦150,000 in mind, but after seeing the size of the school, I reduced my expectation to between ₦70,00…
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I still remember my time serving in Jos during the National Youth Service Corps (NYSC). At the time, corps members were adjusting to a sharp rise in the cost of food, transport, rent and other basic expenses. When the Federal Government increased the monthly NYSC allowance from ₦33,000 to ₦77,000, I initially thought the increase would finally give me some breathing room. On paper, ₦77,000 looked like a major improvement. Bu…
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Recently, I was in my room thinking deeply about my life. One thought kept coming back to me: how much can our friendships influence the way we spend? The more I thought about it, the more I realized that some of my social habits were costing me far more than I had noticed. To understand where my money was going, I reviewed my OPay transaction history. I had opened the account earlier in the year, and I wanted to understand w…
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Have you ever been rejected by a loan app even though you have never defaulted on a loan? Here are the realistic reasons it can happen, what lenders may consider, and what you should do next. I can remember vividly the first time I tried to borrow money from a loan app. I was an undergraduate at the University of Jos, in 200 Level at the time. I needed money to print materials for a group assignment and presentation. I called…
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Working a 9-to-5 job can be exhausting, especially when you feel underpaid, overworked or unappreciated. However, a difficult day at work does not always mean quitting immediately is the best financial decision. I currently work as a teacher, and there have been days when I have felt frustrated by the expectations placed on me. Sometimes I feel that I am expected to remain on my feet teaching constantly, even when I need a sh…
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